Figo vs Lemonade
Lemonade scores 9.0 against Figo at 7.9 in our rankings. Figo's edge is maximum payback: it is the only insurer here offering 100% reimbursement, and its accident waiting period is just 24 hours, a short wait, although Lemonade currently advertises no accident wait (check your state policy). The catches: 100% reimbursement is only available with a $500 or $750 deductible and not with the unlimited plan, the orthopedic wait is 6 months unless a vet exam waives it, and everything runs through the app with no real phone support. Choose between Lemonade's add-ons and Figo's reimbursement design, then compare current quotes.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeSide by side
| Figo | Lemonade | |
|---|---|---|
| Editorial score (dogs) | 7.9/10 | 9/10 |
| Annual limit | $5k-unlimited | $100k |
| Deductible | $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+ | Fully customizable, $100 to $750 (up to $1,000 on some policies) |
| Reimbursement options | 70%, 80%, 90% or 100% , the only insurer here offering a 100% tier | 70%, 80% or 90% |
| Accident wait | 24 hours | Current marketing: no accident wait from the effective date, at 12:01 AM the day after purchase. State and policy terms can differ; check your policy |
| Illness wait | 14 days | 14 days |
| Orthopedic / cruciate wait | 6 months, waivable with a vet exam completed and submitted within the enrollment window | Current marketing: 30 days, including cruciate injuries. The general FAQ also describes policies with a 6-month cruciate wait; your state and policy documents control |
| Wellness add-on | Available | Available |
| Direct vet pay | No, reimbursement only | No, reimbursement only |
Compare current quotes for the same pet and ZIP code, using the same deductible, reimbursement rate, annual limit, and add-ons. Older catalog price examples do not establish which insurer costs less today.
Pre-existing conditions
Figo: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Lemonade: Base accident-and-illness coverage excludes conditions that showed signs before enrollment or during the waiting period. In most states, temporary or curable pre-existing conditions or injuries can be covered again after 12 consecutive months without recurrent symptoms or continued treatment. Chronic conditions and knee or ligament conditions cannot be covered as curable pre-existing conditions. Where offered, the separate Dental Care add-on covers pre-existing dental conditions; Dental Illness excludes them. The end-of-life add-on can cover vet-recommended euthanasia due to a pre-existing condition, subject to its terms.
Choose Figo if
You want the highest possible payback on a claim. Figo is the only insurer here with a 100% reimbursement tier, and accidents are covered after just 24 hours. Know the fine print: 100% reimbursement requires a $500 or $750 deductible and cannot be paired with the unlimited annual-limit plan, the 6-month orthopedic wait needs a timely vet exam to waive, and customer service runs through the Pet Cloud app rather than a phone line.
Choose Lemonade if
You want to configure add-ons through Lemonade's app. Check state availability first (as of August 2026 Lemonade is not sold in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming; quote your ZIP) and note the 30-day orthopedic wait currently advertised for new coverage (check your state policy).
The exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Questions
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Written by the WhichPetPlan editorial team. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.